Business Auto

Business or commercial auto insurance is for vehicles used for business purposes or those with a higher gross vehicle weight. Common vehicle types covered by business/commercial auto include:

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• vans
• cars
• trucks
• box trucks
• service utility trucks
• food trucks
• flatbed trucks

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If you and/or your employees are using your vehicle as part of the business, it would need to be rated on a commercial business policy. Some of the most common vehicle examples include those used by:

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• realtors
• caterers
• food vendors
• handyperson
• landscapers
• lawn & tree maintenance
• contractors & related tradesmen:   granite installers, handyperson, carpenter, painters, etc.
• electricians, plumbers, HVAC companies

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Those who drive for Uber, Lyft, Amazon, GrubHub or other such entities will need rideshare insurance instead. Ask a Melissa Ems Insurance Advisor for more details.

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It is very important to maintain proper business insurance to avoid limited or no coverage in the event of an accident while using your vehicle for business purposes. Failing to do so may jeopardize your personal auto coverage. We write through major, AM Best rated carriers such as Progressive, Mercury, Bristol West, Kemper and more. Your Melissa Ems Insurance Agency Advisor can compare rates and coverage to find you the best solution for your business needs.

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Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.